Do You Pay Ni On Pension
National Insurance and income tax look similar from the payslip end (both are deducted at source under PAYE, both go to HMRC) but they apply to...
Do Married Couples Get Separate State Pensions
One of the most common misconceptions about UK retirement income is that married couples receive a single "joint" State Pension.
Can I Have More Than One ISA Account
Whether someone can hold more than one ISA account is one of the most common questions in personal finance, and one that until very recently had a...
Basic State Pension Dwp Payment Errors
State Pension underpayments have become one of the largest welfare-correction exercises ever undertaken by the UK government.
100K Tax Trap
The "100k tax trap" is one of the most discussed quirks of the UK income tax system.
Average Pension Pot UK: Average UK Pension Savings by Age
The "average UK pension pot" is one of the most quoted and least useful figures in personal finance journalism.
What Is Home Reversion
Home reversion is the older of the two main forms of equity release available to UK homeowners.
What Happens If You Gift Aid But Dont Pay Tax
Gift Aid is the UK tax incentive that lets registered charities reclaim basic-rate tax on donations from UK taxpayers.
Trainee Mortgage Advisor Jobs
A trainee mortgage advisor role is a regulated entry point into UK financial services.
Tax Treatment Of Redundancy Pay
When a UK employee is made redundant, the termination package they receive is rarely a single payment.
Structural Survey Cost
"Structural survey" is a phrase that means slightly different things to different people.
Pros And Cons Of Bankruptcies UK
Bankruptcy is a serious legal step, not a financial product to be selected on cost grounds alone.
Probate How Long Does It Take
Anyone administering a deceased person's estate quickly discovers that probate is not a single event but a series of overlapping stages.
Multiple ISA Accounts
For most of the ISA's history, an adult could open and contribute to only one cash ISA and one stocks and shares ISA in a given tax year.
Mortgage Broker Tools
Modern UK mortgage broking runs on software. The days of a broker keeping a paper file, phoning a business development manager, and posting a paper...
Is Redundancy Pay Taxable in the UK? The Full Rules Explained
Is redundancy pay taxable in the UK: the 30,000 pound tax-free element, PILON treatment, holiday pay rules, and how to check your final settlement.
Is Life Insurance Worth It
"Is life insurance worth it" is not a single question, it is a family of questions, each with its own answer depending on age, dependants, debt...
Interest Calculator Simple Interest
"Simple interest" is one of the most common phrases in personal finance and one of the most often misapplied.
How To Avoid Stamp Duty On Second Home
The Stamp Duty Land Tax surcharge on additional dwellings is a significant cost for anyone buying a second property in England or Northern Ireland.
How Reliable Is A Mortgage In Principle
"Mortgage in principle" is the phrase used to describe a lender's indicative pre-approval of a mortgage application. The phrase covers a range of products.
How Much Does A Financial Advisor Cost
UK financial advice has been priced explicitly in pounds and percentages since the Retail Distribution Review took effect in 2013.
How Long Does Buying A House Take
The question "how long does buying a house take" is asked at every stage of a UK property purchase, and the answer depends on which start point and...
How Long Can Probate Take
"How long can probate take" is the question executors ask before they start the process, and again every few weeks once they have started.
Free Stuff For Seniors Over 60
The phrase "free stuff for seniors" understates how structured the UK system actually is.
Equity Release Horror Stories
"Equity release horror stories" is a category of media coverage with a wide spread of underlying scenarios.
Do You Get Taxed On Redundancy Pay
"Do you get taxed on redundancy pay" is a question with a deceptively simple headline answer (some of it, yes) and a long list of practical...
Disadvantages Of Workplace Pension
The auto-enrolment programme that started in 2012 means most UK employees are now in a workplace pension.
Freehold vs Leasehold UK: Key Differences Explained
Freehold and leasehold are two of the main forms of land tenure in England and Wales. Scotland has its own framework.
Annuity Or Drawdown
For most of the 20th century, a UK saver with a defined contribution pension pot had only one realistic option at retirement: convert the pot into a...
Accident Insurance
Personal accident insurance is one of the smaller corners of the UK protection market.